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Mortages
Make sure your financial goals are met and your future is secure with a personalised mortgage. Plan today for peace of mind tomorrow, knowing your mortgage is tailored to your needs and circumstances.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE
Personalised.
Your life is unique, and your mortgage should reflect that. Our personalised mortgage services ensure that your specific needs are carefully considered, from the terms of your loan to the flexibility of your repayments. Whether you're buying your first home or refinancing, we'll tailor a mortgage that suits your lifestyle and future plans.
Guidance.
Choosing the right mortgage and lender is crucial for securing your financial future. Our expert guidance services provide you with tailored advice on selecting the best mortgage options and lenders, ensuring your home purchase or remortgage process goes smoothly and aligns with your long-term plans.
Review & Updates.
Life changes, and so should your mortgage. Our review and update services ensure your mortgage always reflects your current financial situation and goals. Whether it's a change in income, a new property, or simply seeking better terms, we’re here to help you keep your mortgage aligned with your evolving needs.
Confidential.
Your privacy is our top priority. All discussions, financial documents, and personal information are handled with the utmost confidentiality. We ensure that your mortgage details and personal data remain secure, giving you peace of mind as you navigate the home-buying process or manage your mortgage.
Need More Info?
Have questions or need help finding your personalised mortgage solution? Get in touch with us today — we’re here to guide you every step of the way.
FAQ's
Got Questions before you reach out? No problem! You can find Answers to Our Most Frequently Asked Questions, on Mortgages, below:
1. What is a mortgage?
A mortgage is a loan used to purchase property or land. The loan is secured against the value of the property until it is fully repaid.
2. What types of mortgages do you offer?
We offer a range of mortgages, including fixed-rate, variable-rate, tracker, and offset mortgages, tailored to suit different financial situations and needs.
3. How much deposit do I need for a mortgage?
Typically, you will need a deposit of at least 5% to 20% of the property’s value, though larger deposits can secure better interest rates.
4. What is the difference between a fixed-rate and variable-rate mortgage?
A fixed-rate mortgage has an interest rate that stays the same for a set period, while a variable-rate mortgage’s interest can fluctuate, depending on changes in the lender’s rate or the Bank of England’s base rate.
5. How do I apply for a mortgage?
You can apply for a mortgage by submitting an application through our website or speaking with one of our mortgage advisers, who will guide you through the process.
6. What documents do I need to apply for a mortgage?
You’ll typically need proof of identity, proof of income (such as payslips or bank statements), and details of any existing debts or financial commitments.
7. Can I remortgage my property?
Yes, remortgaging allows you to switch to a new mortgage deal, either with the same lender or a different one, to get a better rate, release equity, or consolidate debt.
8. How long does it take to get a mortgage approved?
The approval process usually takes between 2 to 6 weeks, depending on the complexity of your application and any additional checks required.
9. What happens if I can’t keep up with my mortgage repayments?
If you’re struggling to make payments, contact us immediately. We can discuss options like extending your term, switching to an interest-only mortgage, or temporarily reducing your payments.
10. Do you offer advice for first-time buyers?
Yes, we provide tailored advice for first-time buyers, guiding you through the process and helping you find a mortgage that suits your budget and future plans.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Registered in Northern Ireland
First Stop Mortgages And Protection NI Ltd is an appointed representative of PRIMIS Mortgage Network, a trading name of First Complete Limited. First Complete Limited is authorised and regulated by the Financial Conduct Authority.
The guidance and/or information contained within the website is subject to UK regulatory regime and is therefore targeted at consumers based in the UK.
Registered office address – Unit J, Mayfair Business Centre, Portadown, Co. Armagh, Northern Ireland, BT62 1HA
Registration number – NI639180
Trading address – Mayfair Business Centre, Portadown, Craigavon, BT62 1HA
For our mortgage advice services, we will charge a fee of between £0 & £495 with our typical fee being £295. The amount we charge is dependent on the complexity of the mortgage application.
